i mean, these great, great golden pension plans, everything else that's given to them, healthcare for life, and their family, survivor benefits, everything else. that's not right. that's where the change has to take place. you can't change the rules in the middle of the game right now, guys, because you once you do that people will revolt. >> hold on, jonathan. jim, here's an economic question for you. what would it do to the economy if we don't bail out these public pensions, in particular when you do have states facing trillions of dollars in debt right now? >> well, the money's not there. so you either have to bail them out or not bail them out. if you don't, the states run out of money, it ends up in the court, and it's an absolute economic moras. the other thing i want to address here is the idea that wall street took all these reckless bets and made all these reckless proms and governments didn't it idiotic. a lot of pension funds you can work for 20 years and be fully vested for the next 40, 50 years of your life. it's just like greece. none of them make economic or mathematica